This site uses javascript to work. We have detected that you don't currently have javascript turned on.
To continue, please ensure you have turned on javascript in your browser settings.


Protect is our traditional Income Protection product. It offers a choice of either level guaranteed premiums or age-costed guaranteed premiums, a wide range of deferred period options and is available on either a long term basis or with a choice of limited benefit terms which provide a more affordable option for clients who need cover for shorter claim periods or who are on a limited budget.

Key features:

  • Option of either level guaranteed premiums or age-costed guaranteed premiums
  • Covers up to £100,000 of your client’s yearly income before tax (maximum benefit up to £57,000 per year)
  • Choice of deferred periods from day 1 (age-costed guaranteed premiums until policy end age only), week 1 (age-costed guaranteed premiums only) or 4, 8, 13, 26 or 52 weeks
  • Choice of claim benefit periods from 1, 2, 5 years or until policy end age
  • Benefit guarantee up to £1,500 per month
  • Sick pay protection for teachers or NHS doctors, surgeons, nurses, midwives and dentists
  • Gives you the option to add Fracture Cover as an additional benefit at an extra cost

For more information about Protect, you can download our product literature below or request a copy to be sent to you by contacting our Sales Team on 01234 348 007 or e-mail For more support materials including client facing content, visit our Adviser Toolkit.